Kings Credit Services Inc or KCS is a third-party collection agency based in Southern California. KCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and improper contact or sharing of information. If you have been contacted by Kings Credit Services, make sure you understand your rights before taking action.
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According to the BBB, Kings Credit Services, Inc. is a legitimate collection agency, founded in 1929 and incorporated in 1992. The BBB established KC’s profile page in 1992, about three months prior to its incorporation. KCS is listed as a collection agency and billing service that uses the alternate business names, Medical Billing and Accounts Receivable Management and MBA. Buzzfile estimates KCS’s annual revenue at $3.5 million and the size of its headquarters staff at 45 employees.
According to its website, Kings Credit Services “has grown to be a leader in the Accounts Receivable Management business.” KCS “provides useful advice and planning with a unique, integrated approach that can help…manage…receivables and achieve…desired cash flow goals.” KCS also “provides a superior level of service.” KCS collects delinquent debts for healthcare providers, retailers, and government agencies.
Kings Credit Services collection services are organized into two divisions—accounts receivable management and healthcare private-pay. Their accounts receivable management division “has been servicing the needs of creditors for over 80 years… with a collection staff …that have been employed with us for over 15 years.” This division offers a full range of collection services, including an in-house legal department; a fully staffed bilingual collection department; automated voice recognition technology; numerous collection program options; bi-weekly remittances to increase client cash flow; electronic account submission; high recovery percentages; a competitive contingency-based fee schedule; state-of-the-art proprietary skip-tracing tools; and extensive collector training programs.
KCS’s healthcare private-pay division “is not a collection service and is not considered part of Kings Credit Services in the eyes of the patient,” instead providing outsourcing and extended business office services as “a direct extension of the client.” This division is staffed by professional medical billing specialists “to handle all private-pay patient accounts, ensuring timely payments and help for recovering the full balance as soon as possible.”
Kings Credit Services online payment portal includes fairly comprehensive disclaimers about consumer protection laws. They also provide links to the three national credit reporting agencies and ACA International.
The BBB has closed 7 complaints against Kings Credit Services in the past three years, with 3 complaints closed in the past 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with advertising and sales. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 23 complaints against KCS. Justia lists at least 2 cases of civil litigation involving KCS.
Kings Credit Services, Inc.
510 North Douty Street
Hanford, CA 93230
Telephone: (800) 366-0950
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely KCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against Kings Credit Services often cite problems resulting from disputes about billing documentation and communication tactics. In January 2018, a complainant indicated that she had been contacted at work by a KCS representative. She explained to them that she was not allowed to receive calls at work and that continued contact attempts could result in termination of her employment. KCS allegedly told her that “they had every right to contact her at any of the numbers they had,” explaining that contacting her at work was permissible if there was no other way to make contact. The complainant disputed the bill, indicating she believed her medical insurance had paid it, and that regardless, she did not have the money to pay the bill, especially because she had additional medical bills to pay. Although the complainant indicated she had called Kings Credit Services back and had sent them an email indicating she was not allowed to receive calls at work, KCS representatives allegedly continued to tell her that “it was legal and they could contact her at work if they needed to.”
In June 2017, a complainant indicated she and her daughter had received medical services on the same day from the same provider. The collection notice she had received from Kings Credit Services indicated that she was being double-charged for the services provided to her daughter. She indicated she had paid for the services that were not in dispute and asked KCS to remove the duplicate charges and update the statement. She said she “would not pay any additional money until she received this statement.” The complainant went into the KCS office to discuss the dispute and spoke to a representative who quoted her a balance but “didn’t understand the accounting of it.” The representative indicated that the manager was on vacation but that the complainant would receive a call soon. After two weeks, the complainant had not heard anything, so she called and left a message, but she never received a return call. She finally received a response indicating that continued non-payment would result in collection activity. Although she disputed the items, she was sent a collection letter demanding a total of $740.00.
In both cases, KCS responded by indicating that they believed they had “acted appropriately as authorized by contract or law.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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